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  • 枫下家园 / 爱车一族 / 如果新车的最后总价为25,000，mortgage rate为6.20，3年还清，偿还的利息为多少？25,000 x 0.062 x 3 = 4,650？是这样算吗？ -guest:guest; 2001-8-23 (#176886@0)
    • Civic LX? 贵了。27462。762.82/month -hairless(亮晶晶); 2001-8-23 (#176895@0)
    • 不是 -mqu27(mqu27); 2001-8-23 (#176902@0)
      • 能告诉我应该怎样算吗？因为我怎么也算不出代理算的那个数。 -guest:guest; 2001-8-23 (#176907@0)
        • what's their number -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#176924@0)
        • Hey, you have't told us the terms of your mortgage eh, if you want help then gotta give full disclosure -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#176928@0)
          • 我以为没有那么复杂，所以只按照我的思路举了一个例子。事实上： 减去首付，剩下为20，197，还有一个叫：registration fee if necessary: 52.00； mortgage rate: 6.20； no. of payment: 42 month。 -guest:guest; 2001-8-23 (#176948@0)
            • 就是很复杂,没有fancial 计算机,够你算一气的,瘦猪的问题是你的利息的compounded 的期间是多少. -mqu27(mqu27); 2001-8-23 (#176954@0)
            • You do understand what compounding is right? Answer, how often do you compound this loan? Different methods might be used -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#176958@0)
            • okay, 20197 compounds monthly for three years, 20197 x (1 + 6.2%/12 months) ^(3years x 12 months) = 30096 -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#176966@0)
              • e^(6.2% x 3) =1.2044, 而(1 + 6.2%/12 months) ^(3years x 12 months)=1.2038, 怎么按月付还要低呢? -flipflop(翻云覆雨); 2001-8-23 (#176988@0)
                • principal has gone down to 20197 from 25000, read it -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#176995@0)
                  • 我是说额外的利息支出部分,按你的公式,连续付principal x e^(6.2% x 3) =1.2044 principal,按月付principal x (1 + 6.2%/12 months) ^(3years x 12 months)=1.2038 principal -flipflop(翻云覆雨); 2001-8-23 (#177001@0)
                    • How's your logic my man? e^(6.2% x 3) =1.2044 is compounding continously, continously continously continously continously continously continously continously -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#177009@0)
                      • 你是说连续付比月付要多支出利息? -flipflop(翻云覆雨); 2001-8-23 (#177013@0)
                        • 不是连续付， 是连续算， Terms of payment has nothing to do with method of calculation -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#177019@0)
                          • 哦,明白了 -flipflop(翻云覆雨); 2001-8-23 (#177025@0)
                  • 另外,双周付是不是principal x (1 + 6.2%/26 bi-weeks)^(3years x 26 bi-weeks)=1.2041 principal? -flipflop(翻云覆雨); 2001-8-23 (#177005@0)
                    • Yeah, perfect, except weeks are not exact, it varies from 52 to 54 depends on the year ar, one more thing, it's not how you pay it, it's how they calculate it, thus you can be making bi-weekly payment -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 {113} (#177016@0)
                      but they could be compounding it weekly,

                      as you can see, the more frequent they compound, the higher the rate
                      • 这才是我觉得奇怪的地方,因为以前有帖子说付的越勤快利息越少,不过你是专家,俺要听猪猪席的 -flipflop(翻云覆雨); 2001-8-23 (#177023@0)
                        • That's a different story, if you pay down the principal quicker then obviously your interest will drop, loan interest is being compounded on outstanding balance, four things to keep in mind -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 {435} (#177027@0)
                          Outstanding Loan Balance(lower the better)

                          The amount of your periodic payment (bigger the better)

                          Compounding period within a year (fewer the better)

                          Money (more the better)

                          also, if you can beat down the principal before the next compounding effect (ie next month)kicks in, then it's gonna be less, so always speak in terms of rates, since they are absolute


                          again, how frequent you pay only concern the with item #1
                          • kewl,学了不少东西,多谢瘦猪 -flipflop(翻云覆雨); 2001-8-23 (#177031@0)
                • The first one is compounding continously, continously continously continously continously continously continously continously -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#176999@0)
    • Car loans are compounded -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#176905@0)
      • 如果从银行贷款，算法是不是应该那种算法。25,000 x 6.2% x 3= -guest:guest; 2001-8-23 (#176916@0)
        • 25000 x e^(6.2% x 3) = 30110.55, continuous compounding, "e" is the exponential factor, a constant -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#176923@0)
          • thanks. 银行和代理都是这种算法吗？ -guest:guest; 2001-8-23 (#176927@0)
            • Is your car loan compound monthly? or continuously? -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#176930@0)
          • Is that "e = 2.718281828"? -smile-li(smile); 2001-8-23 (#177151@0)
    • How much is the down payment? -hearts(hearts); 2001-8-23 (#176960@0)
    • There is a website that can help you to figure it out. -hearts(hearts); 2001-8-23 (#176962@0)
    • And if you want to calculate your mortgage, go to this site and do it by yourself. By the way they call it mortgage when you borrowing money for your house and the money for car is called loan. -hearts(hearts); 2001-8-23 (#176970@0)
    • excel 里计算的公式，叫PMT，在financing里 -yellow(yellow); 2001-8-23 (#177010@0)
      • 不用電腦， 自己用筆算， 自己明白 -slimpiggy(瘦猪犹如插翅虎); 2001-8-23 (#177022@0)
        • 有电脑不用，那就像有肉放在嘴边不吃，哈哈！ -yellow(yellow); 2001-8-23 (#177034@0)
    • CHECK YAHOO, IT'S ACCURATE THERE. -guest:GUEST; 2001-8-23 (#177082@0)
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